If you’ve been charged with a DUI in Kentucky, navigating the aftermath can be challenging, especially when it comes to securing car insurance. A DUI conviction not only impacts your driving record but can also significantly affect your insurance rates and options. Here’s what you need to know about getting car insurance in Kentucky after a DUI in 2024.

DUIs in Kentucky

DUI laws in Kentucky are strict, with penalties varying based on your age, the severity of the offense, and any prior violations. Even one instance of driving under the influence can result in significant consequences, while multiple offenses can lead to jail time and license suspension.

DUI laws in Kentucky

Drinking and driving is a serious offense across the United States, and Kentucky is no exception. To combat drunk driving, Kentucky lawmakers have implemented various laws and regulations.

In Kentucky, drivers over the age of 21 are considered to be driving under the influence (DUI) if their blood alcohol content (BAC) is 0.08 or higher. Additionally, underage drivers can face DUI or DWI charges with a BAC as low as 0.02.

DUI penalties in Kentucky

If you are over 21 and convicted of your first DUI in Kentucky, you may face the following penalties:

  • Fines ranging from $200 to $500
  • Jail time of 2 to 30 days
  • License suspension for 30 to 120 days
  • Participation in a 90-day alcohol or substance abuse treatment program
  • Possible community service from 48 hours to 30 days

Subsequent offenses will result in increased fines, longer jail sentences, and extended license suspensions. A fourth DUI within five years is classified as a Class D Felony, leading to a minimum of 120 days in jail without probation, a year-long alcohol or substance abuse program, and a 60-month license suspension.

Certain “aggravating circumstances” can lead to additional penalties, including:

  • Driving 30 mph or more over the speed limit
  • Having a BAC of 0.15 or higher within two hours of driving
  • Refusing to take a sobriety test
  • Driving the wrong way on a highway
  • Having children under 12 in the vehicle
  • Causing an accident resulting in serious injury or death

The penalties for DUI violations in Kentucky can vary based on the specifics of your case. The best way to avoid these penalties is to remain sober while driving.

DUI penalties for underage drinkers in Kentucky

Drivers under 21 face specific penalties for a first offense, which include:

  • Fines ranging from $100 to $500, or 20 hours of community service
  • License suspension for 30 days to six months

Furthermore, if the driver’s blood alcohol concentration (BAC) is 0.08 or higher, they will incur all penalties applicable to drivers over 21.

How does a DUI affect car insurance in Kentucky?

Your car insurance premium is determined by several factors, with your driving record being one of the most significant. A DUI conviction typically categorizes you as a high-risk driver. While some insurers may refuse to cover high-risk drivers, others will impose much higher rates compared to those with a clean record.

According to Bankrate, Kentucky drivers with a DUI pay an average premium of $4,640, which is 78% higher than those without any violations. If you have a DUI, your insurer may either cancel or decline to renew your policy, or they may renew it with a substantial premium increase.

Cheap auto insurance after a DUI in Kentucky

While a DUI may lead to higher car insurance rates, there are still options for finding affordable coverage. It’s possible to secure reasonable rates from some of the top insurers in Kentucky. To find the best rate for your situation, consider shopping around and obtaining quotes from multiple companies.

Look for insurers known for offering competitive prices, as highlighted in the chart below. Many of these companies have average rates below the state average, with Kentucky Farm Bureau offering the lowest rates.

How to find affordable car insurance in Kentucky after a DUI

Obtaining car insurance after a DUI conviction can be challenging, even in Kentucky. Since a DUI is a serious offense, not all insurers will be willing to provide coverage for drivers with such a record. It’s crucial to be honest about your DUI when collecting and comparing auto insurance quotes.

However, there are strategies you can employ to find a policy with more affordable rates:

  • Maintain a Clean Driving Record: After a DUI, it’s essential to focus on improving your driving habits to avoid further infractions. Consider taking a defensive driving course to enhance your skills and overall driving experience.
  • Shop Around: Insurance rates can vary significantly between providers, even for the same coverage. By requesting quotes from multiple insurers, you may discover a more competitive rate. Since getting quotes is typically free and straightforward, it’s worthwhile to explore your options.
  • Utilize Discounts: Most insurers offer various discounts that can help reduce your premium. Look for easy-to-earn discounts, such as those for opting to receive policy documents electronically instead of by mail.
  • Explore Telematics Programs: If you’re a safe driver, check if your insurer offers a telematics program. These app-based systems track your driving in real time and can reward you with discounts of up to 40%. However, be cautious, as unsafe driving behaviors could lead to higher rates.